You don't "just get" an emoney license. When you apply for the license you sign up to a bunch of regulatory scrutiny most of which seems to be antithetical to this kind of project.[1]

The UK financial regulators are not dumb and have thought this through.

[1] Specifically here are details of the emoney regulations if you're interested https://www.fca.org.uk/firms/electronic-money-payment-instit...